1905 Lost River Trl, Ruskin, FL 33570 Property Records

Hillsborough County property record for 1905 Lost River Trl, Ruskin, FL 33570

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,814 sqft · built 2019
Lot Size	3.14 acres (136,821 sqft)
Owner	2 Trust Names on File
Last Sale	$100,000 (May 2018)
Tax Bill	$8,841 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Sep 2018 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`032685-0086`

Property Details

APN / Parcel Number

Primary APN	`032685-0086`
Alternative APN	`U15321890O000005000180`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,814 sqft Living Area
Gross Area	4,464 sqft
1st Floor Area	2,814 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2022
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	136,821 sqft
Lot Dimensions	142 ft deep x 459 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	840 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Screened Porch
Porch Area	810 sqft
Patio Area	289 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0326850086
Street Address	1905 LOST RIVER TRL
City	RUSKIN
State	FL
Zip	33570-2615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOST RIVER PRESERVE PHASE 2 LOT 18 BLOCK 5
Legal Range	18E
Legal Township	32S
Legal Section	15
Legal Subdivision	LOST RIVER PRESERVE PHASE 2
Legal Phase	2
Legal Tract	90O
Legal Block	5
Legal Lot Number	18
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	1
Census Block	1022
Census Tract	14104

Owner

1905 Lost River Trl is owner-occupied and held in a trust since May 2025.

Source: Hillsborough County records, as of September 30, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1905 LOST RIVER TRL, RUSKIN, FL 33570-2615
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2020	Deed of Trust, Mortgage · Line of Credit GTE FCU
Sep 25, 2018	Trustee's Deed, Construction Loan · Construction Mortgage MIDFLORIDA CU ISAOA
Jul 23, 2018	Grant Deed COMMERCE TITLE COMPANY
Jul 23, 2018	Grant Deed COMMERCE TITLE COMPANY
May 15, 2018	Warranty Deed, Transfer COMMERCE TITLE COMPANY
Sep 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2018 · Amount on File
Deed Sale	May 15, 2018 · Amount on File
Prior Sale	May 30, 2006 · Amount on File
Deed Document Number	2018191186
Deed Book / Page	25766 / 41
Last Transfer Date	May 21, 2025
Transfer Doc	0000235598
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	1905 LOST RIVER TRL, RUSKIN, FL 33570-2615
Document Number	0000074272
Instrument Date	Feb 1, 2020
Transaction Type	Mortgage
Record Updated	Apr 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1905 LOST RIVER TRL RUSKIN FL 335702615, RUSKIN, FL 33570-2615

Mortgage

Document Number	0000074272
Date	Feb 28, 2020
Instrument	74272

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 27, 2040

Interest

Rate Type	Adjustable Rate

September 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Sep 25, 2018
Property Address	1905 LOST RIVER TRL, RUSKIN, FL 33570-2615
Document Number	0260950951
Book / Page	026095 / 000951
Instrument Date	Sep 21, 2018
Instrument	390587
Transaction Type	Construction Loan
Record Updated	Nov 22, 2018
Title Company	COMMERCE TITLE COMPANY, COMMERCE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6824 MONARCH PARK DR APOLLO BEACH FL 335728108, APOLLO BEACH, FL 33572-8108

Mortgage

Document Number	260950951
Date	Sep 25, 2018
Book Page	026095/000951
Instrument	390587

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 24, 2038

July 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jul 23, 2018
Property Address	1905 LOST RIVER TRL, RUSKIN, FL 33570-2615
Document Number	0259361345
Book / Page	025936 / 001345
Instrument Date	Jul 19, 2018
Instrument	294269
Record Updated	Aug 9, 2018
Title Company	COMMERCE TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$700.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6824 MONARCH PARK DR APOLLO BEACH FL 335728108, APOLLO BEACH, FL 33572-8108

July 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jul 23, 2018
Property Address	1905 LOST RIVER TRL, RUSKIN, FL 33570-2615
Document Number	0259361343
Book / Page	025936 / 001343
Instrument Date	Jul 14, 2018
Instrument	294268
Record Updated	Aug 9, 2018
Title Company	COMMERCE TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	202 LATITUDE PL APOLLO BEACH FL 335723392, APOLLO BEACH, FL 33572-3392

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	May 15, 2018
Property Address	1905 LOST RIVER TRL, RUSKIN, FL 33570-2615
Document Number	0257660041
Book / Page	025766 / 000041
Instrument Date	May 14, 2018
Instrument	191186
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	COMMERCE TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6824 MONARCH PARK DR APOLLO BEACH FL 335728108, APOLLO BEACH, FL 33572-8108

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Sep 18, 2017
Property Address	1905 LOST RIVER TRL, RUSKIN, FL 33570-2615
Document Number	0252331533
Book / Page	025233 / 001533
Instrument Date	Sep 5, 2017
Instrument	362932
Transaction Type	Transfer
Record Updated	Sep 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	202 LATITUDE PL APOLLO BEACH FL 335723392, APOLLO BEACH, FL 33572-3392

Tax Assessment & Valuation

The 2025 property tax bill for 1905 Lost River Trl was $8,841 with a homeowner's exemption.

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Hillsborough County
Unified School District	Hillsborough County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$504,234 (+2.7%)	$847,297 (-3.81%) Land $296,240 Building $551,057
2025	$8,841.00 Homeowner's exemption	$490,978	$880,846 Land $296,240 Building $584,606
2023	$7,891.00 (+3.67%) Homeowner's exemption	$463,244 (+3%)	$857,179 (+13.1%) Land $266,739 Building $590,440
2022	$7,612.00 Homeowner's exemption	$449,751	$757,905 Land $237,238 Building $520,667

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1905 Lost River Trl in Zone X, an area of minimal flood risk, though there have been 189 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 139 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	139 in force
Nearby Flood Claims	189 (1982–2026)
Claims Outside the SFHA	10 of 189
Most Recent Claim	May 2026 · other causes
Claims by Event	Hurricane Helene, Sep 2024 · 80 claims Tropical Storm Josephine, Oct 1996 · 20 claims Hurricane Elena, Sep 1985 · 19 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1905 Lost River Trl is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20

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